Josh Pinard
Loan Officer
NMLS #1798579
225 Greenfield Pkwy. Suite 115
Liverpool, NY 13088
Tel: 315.761.6520
About Me
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Beyond his professional commitments, Josh has dedicated the past decade to coaching youth hockey, including the last five years with the Utica Jr. Comets. His passion for sports extends to pickleball, where he is a partner in Syracuse Indoor Pickleball and an avid player. In his leisure time, Josh enjoys fishing and swimming in the Adirondacks.
Whether you’re a first-time homebuyer, an investor, or looking to refinance, Josh and his team are ready to guide you through the mortgage process with personalized solutions. Contact Josh today to discuss how he can assist you in achieving your homeownership goals.
Your journey to a new home in New York begins with us
ˆˆThe information above is based on national company-wide production in 2024.
Loan Programs
Conventional Loans
It all starts with a strong foundation—for your home and for your finances. Our Conventional loans provide solid mortgage options for homebuyers and homeowners looking to refinance.
Conventional loans are popular as they typically offer favorable terms.
✔ Fixed-rate and adjustable-rate options
✔ Wide range of repayment terms
✔ Down payments as low as 3%
✔ Competitive interest rates
✔ Minimum credit score of 620, in most cases
✔ Other requirements and conditions apply
Veteran Administration (VA) loans*.
Supreme Lending is proud to offer VA loans, serving those who have served and sacrificed so much for our nation to achieve their dreams of homeownership.
VA loans help millions of eligible military Veterans and active-duty personnel purchase or refinance their homes and provide 100% financing.
✔ Lower interest rates and closing costs
✔ No down payment requirement
✔ No private mortgage insurance required
✔ Fixed-rate and adjustable-rate options
✔ Available for first-time and repeat homebuyers
✔ Variety of eligible VA-approved property types
*Must be Veterans, Active Duty Personnel, Reservist, National Guard and some surviving spouses. VA funding fee will apply. VA funding fee can vary based on usage.
Jumbo Loans
Families come in all different sizes. So do housing needs. A Jumbo loan from Supreme Lending may help make your dream home a reality.
Jumbo loans may help homebuyers purchase “more house,” such as luxury properties or vacation homes, without tapping into savings.
✔ Designed for more expensive primary, second, or vacation homes
✔ Fixed-rate and adjustable-rate options
✔ Wide range of repayment terms
✔ Specialized programs with lower than 20% down payments
Condo Loans
Looking for a condo lifestyle? Our wide range of mortgage programs may help you finance your next home or condominium.
✔ Dedicated team of Condo loan specialists
✔ Unique government loan program options
✔ Purchases or refinances
✔ Flexible and affordable options
One-Time Close
Building a custom home comes with countless decisions—but financing it should be simple. With a One-Time Close Construction Loan, you get one loan for both the build and the purchase, eliminating the need for multiple applications and closings. This means less paperwork, fewer fees, and a streamlined process. Plus, with extended construction periods and lower down payment options, your dream home may be closer than you think.
Key Features:
✔ Loan amounts up to $1.5 million
✔ 6-, 9-, and 12-month construction terms
✔ Streamlined construction draw process
✔ One set of closing costs and fees
✔ Interest-only payments during construction
FHA Loans
Traditional mortgages can’t fit everyone. Government-backed programs like FHA loans have unlocked the doors to millions of Amerimay dreams.
FHA loans are an excellent option for first-time homebuyers and those who may not be looking to make a large down payment.
✔ Lower credit score requirements
✔ Lower down payment of at least 3.5%, in most cases
✔ Fixed-rate and adjustable rate options
✔ Other requirements and conditions apply
USDA Loans
If you prefer country living, this government-backed mortgage program for properties in eligible rural areas may be the one for you.
The U.S. Department of Agriculture (USDA) is known for supporting farmers and ranchers. But it also helps people buy homes without putting any money down. Property must be in a USDA designated area.
✔ 100% financing available
✔ Lower interest rates
✔ Down payments as low as 0%
✔ Reduced closing costs
✔ Lower credit requirements
✔ Gift funds may be accepted
Refinance* Loans
Your home is great. But maybe your mortgage could use some work. Even if you aren’t planning a move, you might want to talk to us about making changes to your current loan.
Refinancing* is when you replace your current mortgage with a new one that may have more favorable terms. Discover how a refinance loan may help you unlock potential savings and reach your goals!
✔ Competitive rates
✔ Choice of repayment plans
✔ Fast application process
✔ Friendly dedicated service from Mortgage Professionals
*By refinancing an existing loan, total finance charges may be higher over the life of the loan.
Reverse Mortgage Loans*
*The borrower must meet all loan obligations, including living in the property as the principal residence and paying property charges, including property taxes, fees, hazard insurance.
The borrower must maintain the home according to FHA requirements. Failure to meet these requirements may trigger a loan default that may result in foreclosure
✔ No Monthly Mortgage Payments
✔ Access to Home Equity
✔ Increased Cash Flow
✔ Tax-Free Loan Proceeds
Manufactured homes
Program Highlights:
✔ Conventional, FHA, and VA options
✔ USDA available for new, never-occupied manufactured homes
✔ 1-unit only
✔ Must be titled as real property and constructed on or after June 15, 1976
✔ Down payment assistance available with State of New York Mortgage Agency
Frequently asked questions
What are the benefits of getting Pre-Qualified?
Getting pre-qualified for a mortgage is a great first step to kickstart your homebuying journey. Pre-qualification gives you a picture of how much you may afford based on your credit, income, and debt. It helps you determine your budget, understand estimated monthly payments, find the right loan program, strengthen your offer, and save time.
What is the difference between Conventional and FHA loans?
There are many differences between conventional and FHA loans. In this portion we will outline some of the major differences for you.
On FHA loans, the minimum down payment is 3.5%. On a conventional loan, the down payment may be as low as 3% depending on a consumers credit scores. Additionally, the money on a conventional loan must be “seasoned” (60 days in the bank) prior to purchasing the home or be proceeds from the sale of your existing home.
A FHA loan requires an upfront Mortgage Insurance payment (MIP); a Conventional loan does not. Both do require monthly Mortgage Insurance premiums based on the LTV.
The taxes will be the same on either type of loan. A common mistake is that people believe is their taxes will vary depending on the loan they choose. The title company that closes the loan submits the taxes directly to the lender. If you reside in an attorney state, your representation is the one who orders the tax certificate from the appraisal district. Taxes reported to the lender will be included in your monthly loan payment. There is no mark-up or service charge over and above the actual tax amount.
Homeowner’s insurance works the same as taxes. You pay the lender for your policy amount on a monthly basis. The lender will escrow this amount and send it to your insurance company at the end of the year when renewal is due.
Interest rate differences will vary depending on the lender you choose. Most importantly, ALWAYS ask for the lowest rate for the type of loan you are obtaining.
The principal and interest portion of the payment is calculated by configuring the loan amount (MIP rolled into the balance on FHA) and term into an amortization schedule to calculate the payment amount. Ask your Supreme Lending representative for additional information on conventional and FHA loans.
What are closing costs?
Closing costs are paid upfront for necessary expenses associated with purchasing a home. When
applying for a loan, you’ll receive a Loan Estimate outlining these settlement charges for added fees like loan origination, appraisal, credit report, title insurance, document preparation, prepaid interest, and other miscellaneous fees.
What goes into a monthly mortgage payment?
Which loan program is suitable for me?
There is no one-loan-fits-all. Supreme Lending offers a wide range of mortgage programs to choose from depending on what may be the most beneficial for your circumstances. Your Loan Officer may present different scenarios to see what aligns with your goals—whether a fixed-rate or adjustable-rate mortgage, or a Conventional loan or government-backed loan, such as FHA, VA, or USDA.
What documentation may be needed?
When you apply for a home loan, several documents are requested to confirm your ability to make monthly mortgage payments. Here are a few items you will likely will need to submit:
• Income history and employment verification from the past two years, such as tax returns, W-2s, and 1099s (if applicable)
• Asset statements for bank, retirement, and brokerage accounts
• Monthly debt payments, including any outstanding loans and credit cards
• Records of rent payments, divorce, bankruptcy, or foreclosure
The Supreme Lending Difference
Commitment
We have an entire team of people working together to help you cross the finish line.
01
Communication
Frequent and authentic
communication through your
homebuying journey.
02
Timely Closings
99% Close on Time* Percentage in 2024, along with 22 average days application to clear to close in 2024
*The information above is based on national company-wide production in 2024
03
Mortgage Calculator
Results received from this calculator are designed for comparative purposes only, and accuracy is not guaranteed. Supreme Lending is not responsible for any errors, omissions, or misrepresentations. This calculator does not have the ability to pre-qualify you for any loan program. Qualification for loan programs may require additional information such as credit scores and cash reserves which is not gathered in this calculator. Information such as interest rates and pricing are subject to change at any time and without notice. Additional fees such as HOA dues are not included in calculations. All information such as interest rates, taxes, insurance, PMI payments, etc. are estimates and should be used for comparison only. Supreme Lending does not guarantee any of the information obtained by this calculator.
Let’s start the process of getting you Pre-Qualified
Branch Address
Liverpool, NY 13088